1997 Honda Civic del Sol Insurance Cost – 6 Savings Tips

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.

For a list of car insurance companies that offer multiple discounts, follow this link.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• Is other people’s property covered if stolen from my vehicle?
• How can I force my company to pay a claim?
• Am I getting all the discounts available?
• Is my 1997 Honda Civic del Sol covered for smoke damage?
• Where can I find high-risk insurance?
• How much underlying liability do I need for an umbrella policy?
• Is my dog or cat covered if injured in an accident?
• What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Specifics of your auto insurance policy

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage pays for damage to your Civic del Sol caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, crashing into a building, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Civic del Sol.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

Liability coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, structural damage, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like dental work, funeral costs and chiropractic care. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Find Good Coverage for Less

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

We covered a lot of ways to save on 1997 Honda Civic del Sol insurance. The key concept to understand is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. Drivers may discover the lowest priced car insurance comes from the smaller companies.

People who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers or even unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

More learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Who Has the Cheapest Detroit Car Insurance Rates for a Honda Civic? (DetroitInsure.com)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)